Protecting You & Your Tools

We specialize in photographers' insurance. The foundation of a great insurance program is the Business Owners Policy which protects you from many risks that threaten your business. Many of the coverages are listed below. 

 

LIABILITY COVERAGE:

Photographer’s and Videographer’s Liability insurance is designed to protect the insured photographer/videographer against lawsuits arising by third parties claiming bodily injury, property damage, personal injury or advertising injury. Photographer’s and videographer’s liability is commercial general liability insurance with optional limits up to $2,000,000/$4,000,000 per occurrence/annual aggregate with defense costs in addition to that limit. Excess Liability/Umbrella Liability coverage is also available up to $15,000,000.

DAMAGE TO PREMISES RENTED TO YOU

Photographer’s and Videographer’s insurance is designed to protect the insured photographer/videographer against damages to a premises rented to you against fire and with broadened coverage additional perils. Limits begin at $50,000.

LOSS OF BUSINESS INCOME COVERAGE:

Photographer’s and Videographer’s insurance is designed to protect the insured photographer/videographer against loss of business income as a result of a covered loss.

ACCOUNTS RECEIVABLE COVERAGE

Photographer’s and Videographer’s insurance is designed to protect the insured photographer/videographer against the increased cost of collecting payments and the cost to reestablish the records of accounts receivable.

PHOTOGRAPHY ENDORSEMENT

Provides specialized coverage needs for photographer risks including a photographer’s/videographer’s employee’s photographic equipment, increased photographic equipment off-premises coverage limit extension, failure to deliver photographic products coverage and more.

MISCELLANEOUS PROFESSIONAL LIABILITY COVERAGE:

Photographer’s and Videographer’s insurance is designed to protect the insured photographer/videographer against legal obligations arising out of professional errors, negligent acts or omissions during the course of practicing their profession. Coverage limits available up to $1,000,000.

VALUABLE PAPERS AND RECORDS

Photographer’s and Videographer’s insurance is designed to protect the insured photographer/videographer against damage or destruction of important documents used in your business.

BUSINESS PERSONAL PROPERTY COVERAGE:

Photographer’s and Videographer’s insurance is designed to protect the insured photographer/videographer against damage and theft of computers, cameras, desks, lenses, etc. This coverage covers the loss at what it would cost to replace the items.